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Earn 120,000 Qantas Points when you apply by 6 November 2019, are approved and spend $4,500 in the first 3 months. This offer is available to new Card Members only.
$450 Qantas Travel Credit each year.
2 Qantas Club lounge invitations each year after your first Card spend on selected Qantas products and services.
Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport.
Complimentary Qantas Wine Membership.
0% p.a. on balance transfers for the first 12 months - A one-off credit plan establishment fee of 1% applies to any balances transferred. If you pay your Balance Transfer over time, an interest-free period will not apply to your purchases. Learn more.
Complimentary domestic and international travel insurance.

Glad to answer any questions here or over in the referral thread, it's a reliable card with one of the highest QF points per dollar on offer in Australia.

Active Member

Hmm .. depends .. I usually spend about $1000/month on my Amex and around $2000 on my other cards. Looks like I'd be able to exhaust $4.5K in about two months. But everyone's case is different.

Besides using AMEX for almost everything (or as accepted as possible) from supermarkets to parking machines, if one is unable to meet the spend criteria, I'd suggest buying gift cards when they're on sale. This way you get extra $$ on your card and you also get to meet your spending criteria.

Alternatively, if QF is doing any promos, you could buy travel vouchers and then use them at a later date. Better yet, if there's any SC promo going on

The minimum credit limit for this card is $3,000, I think with a minimum income of $65k; whereas the business rewards card is $75k (business turnover) and is a charge card, which does not have a set "maximum limit". Therefore I would assume their income requirements are higher and they will be more rigorous in the application. When applying for this card, you can specify the limit you want, as low as 3k (which if you're just after the points, may be worth considering).

Do you have any indication from amex as to why you were rejected (i.e. how far through the application process did it get)? You could always call them and ask if, based on your previous application, it's likely you would instead be approved for the qantas amex ultimate.

Their reason for rejection could be a number of things, from too many recent applications, to their failure to identify you using a supplied document, to not being able to establish your income, ratio of your income to expenses, or many others. If you can get closer to the reason, you might be more likely to be successful in a future application. i.e. if it was just your income/income after expenses wasn't high enough to support the charge card, you may be able to successfully apply for this card.

Enthusiast

$4.5 doesn't actually seem like a lot to me at the moment. I have $13K to spend in 3 months with the combination of new cards that I have. Half way through the period I'm at about $8K and running out of ideas as to how to spend the rest of the money in the next 6 weeks. When your council rates, insurances, gas bill, water bill, phone bill etc are all paid 12 months ahead and you have all the WISH and Coles gift cards that you can use for the next 12 months, what else is there to spend money on?

Member

$4.5 doesn't actually seem like a lot to me at the moment. I have $13K to spend in 3 months with the combination of new cards that I have. Half way through the period I'm at about $8K and running out of ideas as to how to spend the rest of the money in the next 6 weeks. When your council rates, insurances, gas bill, water bill, phone bill etc are all paid 12 months ahead and you have all the WISH and Coles gift cards that you can use for the next 12 months, what else is there to spend money on?

Senior Member

There are ways of paying bills on Amex without the recipient knowing which card it came from. See the @ferni method. Eg, DEFT charges >3% on Amex, but can get that down to 1.9%. Yes, it’s high, but may be necessary to meet the min spend to get Amex bonus.

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